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Everything posted by Sheryl
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If you don't like it Leave ! Root canal
Sheryl replied to georgegeorgia's topic in Health and Medicine
This. So yes, definitely less expensive in Thailand than in Oz. -
"In most circumstances, it is illegal for individuals to import drugs or devices into the U.S. for personal use because these products purchased from other countries often have not been approved by the FDA for use and sale in the U.S. If a drug is approved for use in another country but is an unapproved new drug in the U.S. it is illegal to import. " https://www.fda.gov/industry/import-basics/personal-importation#UScitizen In addition, it is quite possible the specific medication contains one or more substances banned in the US, in which case could incur serious legal consequences. it would help if you would post the actual name of the medication. "Weight loss" pills cover a wide range of products. Some are just laxatives, others are seriously banned (and dangerous) substances.
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Recommendations for Health Insurance permanent stay in Thailand
Sheryl replied to Sparkling's topic in Health and Medicine
Renovation of the hospital building is not important. It is the level of the hospital that is important. If you will be 60 km from the town then this will be a small community hospital so capacities limited, few if any specialists, doctors very junior/new graduates. Fine for routine things but for anything at all complex or specialized she will have to be referred on to Buriram Hospital. How readily that happens varies with the hospital. With some it is just a small formality, with others it is difficult to get them to refer. From the standpoint of an insurer (who look at statistical risk) your pre-existing hypertension, even if well-controlled, will be an issue as will the fact of prior thyroid cancer (increases risk of other cancers, statistically speaking). Some will refuse cover altogether. Between that and your age, it may take some doing to find an insurer willing to cover you. Definitely unlikely any Thai company would, but Thai insurers are best avoided in any case and their rates become absurdly higher at older ages. You want to find an internationally based expatriate policy. I suggest you start as follows: https://www.aoc-insurancebroker.com/ https://www.cignaglobal.com/quote/pages/quote/PersonalInformationLiteV5.html https://app.william-russell.com/health-quote/about-you/ https://application.globality-health.com/?locale=en#!/ https://morgan-price.com/individual/ (choose the Evolution Health Plan Asia Pacific option) https://expat.acs-ami.com/en/form-step-2 The first one listed is a biorker so will likely provide you with a a number of possible policy options. The others are actual insurance companies. So there may be some overlap in the info you get. With Cigna and Globality you will see the quote online and can then play around with it by adjusting the excess and copay options. At age 60 onward it is usually best to accept at least a modest excess. I am not sure with the others if you will see quote online or only get it by email. Note that any quotes you get are just illustrative and do not mean the insurer would cover you as that would come out only when/if you apply, which is the point at which health history is obtained and any issues related to same will arise. Also be aware that putting in your actual phone number on these sites may lead to being inundated with phone calls from agents. Definitely will in the case of Cigna, I have no experience with the others. (And what the sales agents tell you is often unreliable). If the web pages do not let you leave phone number blank then maybe put in just a series of 9's as the number. If you want to talk with them, you call them but bets to avoid letting them have your number unless you are prepared to be under siege from agents working in commission (might not be true of all but definitely the case with some). You should select only hospitalization cover, including outpatient will virtually double premium costs and outpatient visits in Thailand are inexpensive. But make sure the in-patient cover includes day surgeries and outpatient cancer care and dialysis (most do) as these obviously are more costly. If you are able to get a policy it will certainly exclude anything related to thyroid cancer but that is probably not important since you have had the surgery already. For the medication it is extremely cheap in Thailand and easily bought at a pharmacy with no prescription (ditto most blood pressure medications-- in fact most medications, period). There may also be some insurers based in Germany who provide expatriate policies for Germans living abroad. I have no way of identifying these but suggest you ask around. There may for example be options whereby you maintain your health insurance in Germany and pay something additional to cover you in Thailand. Maybe call your current insurance provider and ask them. As you are planning to settle in Thailand permanently, make sure any policy you get guarantees lifetime renewal. And ask for a chart showing current rates at various ages to get some idea of how high future premiums will be. When you get to the point of actually buying a policy it is definitely best to go through a broker as they can help with any claims issues later but no harm in doing some initial research on your own first. -
Most of the larger private hospitals in Bangkok can do this. Suggest you price it at MedPark https://www.medparkhospital.com/en-US/contact-us Need to consider the skill and specific background of the neurologist who will interpret the findings in the context of clinical picture.
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There is no "average price" as there is a 4 - 5 fold difference between public and private hospitals. Also, cost varied depending on whether it is an open repair or an endovascular repair. Endovascular is safer and recovery quicker, but only some hospitals can do it and it may cost more. In a private hospital, I would expect cost to be somewhere around 600-800K but you should email various hospitals to ask specifically. Government hospital about 1/3 as much. In any case should definitely not have this done in Chonburi. Only Bangkok or a University hospital center like the one mentioned in Khon Kaen. I recommend this US trained surgeon https://www.vejthani.com/doctor/dr-supachai-chanvitan/ https://www.phyathai.com/en/doctor/dr-supachai-chanvitan https://www.bangkokhospitalhuahin.com/en/doctor/supachai-chanvitan Different hospitals, same doctor. I suggest you email all 2 hospitals for price quote first. This doctor is also at Rajawithi Hospital, a government hospital located near Victory Monument and where I would suggest of you opt for government hospital route (be prepared for formidible bureacracy and wiats, and needing pergaps a week or more before you are finally face to face wioth cardiovascular surgeon. Take a Thai speaker with you) How large is the aneurysm and have you been advised to have surgery? As not usually required for small asymtomatic aneurysms.
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It sounds like you only looked into Thai companies, and not very professional ones at that. These will have been "moratorium" based policies rather than "full medical underwriting". With these -- and especially with these from a Thai company -- there is no telling what conditions will actually be covered as the insurer is, in effect, reserving the right to decide later on if something was related to a pre-exsiting condition. There are plenty of internationally based expatriate policies available (though fewer if he is already aged over 65) that will cover him in Thailand. These will require a detailed medical history.
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To donate blood in Thailand you need to be under the age of 60 (those who have donated before that age can continue to donate up to age 70). There are various specific factors which disqualify or have a waiting period for donation, detailed here https://blooddonationthai.com/en/whocangiveblood/ @advancebooking your ferritin level is only slightly elevated, likely due to unnecessary iron supplementation, and would not be making you feel unwell. Donating blood is not going to change how you feel except possibly through power of suggestion.
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oral NTHi vaccine for bronchitis - is it available in Thailand
Sheryl replied to simon43's topic in Health and Medicine
Not available in Thailand. In fact as far as I know not yet available anywhere for general use, still in investigational stages. -
Nonsensical and off topic posts have been removed. This is the Health forum, not Pub. There are a variety of GI viruses in Thailand. In addition some respiratory viruses may be accompanied by diarrhea. More information (how long ill? Fever? etc) would be needed to comment further.
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Recommendations for Health Insurance permanent stay in Thailand
Sheryl replied to Sparkling's topic in Health and Medicine
You cannot get SS. It is only available to people employed in the Thai private sector (and retired persons formerly employed). It is also nto that much different from the "30 baht" scheme which your wife will have, but which you cannot get. I would hardly call the "30 baht" scheme "rather basic". It is quote comprehensive. The main limitation is that she has to use only the government hospital which covers the area where she lives, or a higher level facility that it refers her to. It therefore makes sense to choose where you live very carefully. Try to be in the catchment area of at least a regional level government hospital. For you -- how old are you? Do you have any pre-existing conditions? -
do they have this prescription medicine in Thailand
Sheryl replied to Koratdave3's topic in Health and Medicine
Please do not make duplicate posts in multiple topics. I have removed your other post. Ethosuximide is the preferred drug for absence seizures in children, and is indeed not available in Thailand. Valproate is available here but has a higher rate of adverse effects in children. See https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6464603/ Regarding the Valtoco, that is just a nasal spray form of diazepam and regular diazepam is available here. I would frankly reconsider the move if I were you. If you do move here, I recommend it be to Bangkok or its outskirts as you will have access there to specialists in pediatric neuroology. There are not very many of them in Thailand. -
I get items from iHerb via local post all the time, works fine and prompt. I would assume 90 day supply would mean 90 tablets. Shipping costs for that option are low.
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I think the issue may have more to do with your broker than with the insurer. "age of thew insured, zones of cover and formulas chosen" are all known factors specific to you and your policy. It is true that no insurer can tell you in advance exactly what rates will be a year hence since there are inflationary adjustments each year. But they can tell you what the rates are, by age, currently and from that you can get an idea of how much more increase is likely as you age. A good broker could readily get that info for you.
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Cigna Global health insurance renewal – Now I’m getting worried .
Sheryl replied to tomgreen's topic in Health and Medicine
Sorry you are right, I was thinking of Pacific Prime. Pacific Cross is indeed an insurer. And they do raise rates based on claims history. Possible that the Thai OIC told them not to do it to the extreme level they had been, but they are still allowed to do so (I think up to a 25% raise per year). -
Cigna Global health insurance renewal – Now I’m getting worried .
Sheryl replied to tomgreen's topic in Health and Medicine
Most international inpatient policies also cover outpatient cancer care and often dialysis too. Also day surgeries. to add on other outpatient would almost double premoum cost. -
Cigna Global health insurance renewal – Now I’m getting worried .
Sheryl replied to tomgreen's topic in Health and Medicine
Pacific Cross is not an insurance company, they are a broker. The Thai regulating body, the OIC, not only allows rates to be raised based on claims history but actually mandates that this be a clause in all insurance contracts. Something wring in the info your were given.Not correct. -
Exemptions under the new tax laws?
Sheryl replied to Presnock's topic in Jobs, Economy, Banking, Business, Investments
The tax form is not where a change in filing requirements would usually appear. As to what the changes/updates to the tax form will be, time will tell. Perhaps make it easier to claim a tax credit for taxes paid to another country...but that is just a guess. -
When you say dizzy in the morning do you mean continually dizzy or just dizzy as/right after getting up from bed? Do you monitor your blood pressure/ know what it is?
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Exemptions under the new tax laws?
Sheryl replied to Presnock's topic in Jobs, Economy, Banking, Business, Investments
Why? There has been absolutely no change in filing requirements. There has been a change in one single resowct regarding what is assessable income. No chabge at all regarding obligation to file if one has no assessable income. People are reading into this one change in regulation a host of implications that simply are not there. -
Are you on any medications?
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Exemptions under the new tax laws?
Sheryl replied to Presnock's topic in Jobs, Economy, Banking, Business, Investments
No argument with either of these points. What I was responding to was the completely unnececessary anxiety among some that they might, somehow, be in trouble for failing to file when they had no accessible income. There is absolutely NO requirement to file if you have no assessable income (or assessable income less than 120k baht for the year, 60K if interest income). And AFAIK no way to indicate on a filing that income is non-assessable and exempt thereby. It is not the intention of these forms to provide a format for showing your income is non-assessable. The forms are designed for declaring assessable income. A person will only cause unnecessary (and considerable) problems for themself by filing in that circumstance. Of course, the burden of being sure y income is not asessable rests with the individual. -
Exemptions under the new tax laws?
Sheryl replied to Presnock's topic in Jobs, Economy, Banking, Business, Investments
Why should the Thai RD confirm anything to the BOI? This was a Riyal Proclamation and thus binding on both BOI and RD alike. RD does nto have the authority to override it. -
Exemptions under the new tax laws?
Sheryl replied to Presnock's topic in Jobs, Economy, Banking, Business, Investments
It is completely wrong to characterize the new regulation as a "tax the expats scheme". Not remotely the intent or motive. -
Exemptions under the new tax laws?
Sheryl replied to Presnock's topic in Jobs, Economy, Banking, Business, Investments
There is no place on a Thai tax return for "proving" this. Nor for declaring non-assessable income. Only assessable income is to be declared. (There are ways to show a tax credit for taxes already paid in your home country, but that is a different matter) By law you do not need to file unless you have Assessable income above 120,000 baht a year. And under law, there are no penalties to failing to file if no tax was owed.